WO2017031987A1

WO2017031987A1 - Information processing method and device, and terminal

Info

Publication number: WO2017031987A1
Application number: PCT/CN2016/078043
Authority: WO
Inventors: 陈历伟
Original assignee: 宇龙计算机通信科技(深圳)有限公司
Priority date: 2015-08-27
Filing date: 2016-03-31
Publication date: 2017-03-02
Also published as: CN105046496A

Abstract

An information processing method and device, and a terminal. The method comprises: receiving a payment request of a target user (S101); collecting physiological feature information of the target user (S102); if the physiological feature information exists in a preset association table, acquiring authorization information corresponding to the physiological feature information (S103); processing the payment request according to the authorization information (S104). The present method can distinguish different users and process different payment requests, and makes it convenient for multiple users to use a same terminal, thereby improving user experience.

Description

Information processing method, device and terminal

Technical field

The present invention relates to the field of data processing, and in particular, to an information processing method, apparatus, and terminal.

Background technique

At present, it is very common to use mobile terminals such as mobile phones for payment. In current mobile payment, configuration information such as payment related rights of users is often set on the payment platform or the service system of the bank.

In the prior art, since a single mobile terminal can only correspond to configuration information such as a payment right, when multiple users use one mobile terminal for payment, the corresponding configuration information cannot be distinguished for multiple users, and the payment requests of different users cannot be distinguished. .

Summary of the invention

The embodiment of the invention provides an information processing method, device and terminal, which can distinguish different users from processing different payment requests.

A first aspect of the present invention provides an information processing method, including:

Receiving a payment request of the target user;

Collecting physiological characteristic information of the target user;

Determining whether the physiological feature information exists in the preset association table, and if yes, acquiring the authorization information corresponding to the physiological feature information;

The payment request is processed according to the authorization information.

Preferably, the method further includes: if the physiological feature information does not exist in the preset association table, rejecting the payment request and alerting the target user.

Preferably, before receiving the payment request of the target user, the method further includes: setting an association table in advance, wherein the association table includes physiological characteristic information of the at least one user and authorization information corresponding to the physiological characteristic information of the at least one user .

Preferably, the collecting the physiological characteristics of the target user comprises: collecting an ECG signal of the target user; generating an electrocardiogram waveform according to the ECG signal; and parsing the ECG waveform to obtain the heart The characteristic value of the electrical waveform.

Preferably, the payment request includes a payment amount, and the authorization information includes an authorization amount.

Preferably, the processing the payment request according to the authorization information comprises: determining whether the payment amount exceeds the authorization amount; if yes, rejecting the payment request and reminding the target user; if not, according to the The payment request performs a payment operation corresponding to the payment request.

The second aspect of the present invention provides an information processing apparatus, including: a receiving module, configured to receive a payment request of a target user; an acquiring module, configured to collect physiological characteristic information of the target user; and an acquiring module, configured to determine a preset Whether the physiological characteristic information exists in the association table, if yes, acquiring the authorization information corresponding to the physiological characteristic information; and the processing module is configured to process the payment request according to the authorization information.

Preferably, the method further includes: a rejection module, configured to reject the payment request and remind the target user when the physiological characteristic information does not exist in the preset association table.

Preferably, the method further includes: a setting module, configured to preset an association table, wherein the association table includes physiological characteristic information of the at least one user and authorization information corresponding to the physiological characteristic information of the at least one user.

Preferably, the acquisition module includes: a signal acquisition unit configured to collect an ECG signal of the target user; a waveform generation unit configured to generate an electrocardiogram waveform according to the ECG signal; and an analysis unit configured to parse the The electrocardiographic waveform acquires the characteristic value of the electrocardiographic waveform.

Preferably, the processing module includes: a determining unit, configured to determine whether the payment amount exceeds the authorization amount; and the first processing unit is configured to reject when the payment amount exceeds the authorization amount And the second processing unit is configured to execute, according to the payment request, a payment operation corresponding to the payment request, when the payment amount does not exceed the authorization amount.

A third aspect of the present invention provides a terminal comprising the information processing apparatus described above.

Embodiments of the present invention have the following beneficial effects:

In the embodiment of the present invention, when receiving the payment request, the physiological characteristic information of the user is collected, the authorization information of the user is obtained according to the physiological characteristic information, and the payment request of the user is processed according to the authorization information. Therefore, it is possible to distinguish different users, handle different payment requests, and facilitate multiple people to use the same terminal. Increased user experience.

DRAWINGS

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and other drawings can be obtained from those skilled in the art without any creative work.

FIG. 1 is a flowchart of a first embodiment of an information processing method according to an embodiment of the present invention;

2 is a flowchart of an embodiment of a method for collecting physiological characteristic information according to an embodiment of the present invention;

FIG. 3 is a flowchart of a second embodiment of an information processing method according to an embodiment of the present disclosure;

4 is a flowchart of a third embodiment of an information processing method according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of a first embodiment of an information processing apparatus according to an embodiment of the present disclosure;

FIG. 6 is a schematic structural diagram of a second embodiment of an information processing apparatus according to an embodiment of the present disclosure;

FIG. 7 is a schematic structural diagram of a third embodiment of an information processing apparatus according to an embodiment of the present disclosure;

FIG. 8 is a schematic structural diagram of a terminal according to an embodiment of the present invention.

detailed description

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, but not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

FIG. 1 is a flowchart of a first embodiment of an information processing method according to an embodiment of the present invention. In this embodiment, the information processing method is applied to the terminal, and the user can initiate a payment request through the terminal, and the terminal communicates with the payment platform or the server of the bank to process the payment request of the user. The terminal may be a mobile phone, a tablet computer, a wearable device such as a smart watch, a smart wristband, or the like, and may also be a payment device such as a POS machine or a credit card machine. The embodiment of the present invention is not limited thereto. The information processing method includes steps S101-S104.

In step S101, a payment request of the target user is received.

Specifically, the payment request sent by the receiving target user may be in various forms, for example, the user enters the payment link by using an application that operates the payment on the terminal, and initiates a payment request; The user can use the Alipay payment, the WeChat payment, and the like to open the two-dimensional code or the barcode. The user can also open the function of the sound wave payment, the NFC payment, and the like, and the embodiment of the present invention is not limited thereto. In particular, the payment request includes the payment amount. When it is detected that the target user has issued a payment request, the process proceeds to step S102.

In step S102, physiological characteristic information of the target user is collected.

Specifically, the terminal is provided with a sensor, and the sensor is used to collect physiological characteristic information of the user. In this embodiment, the sensor may be in various forms, such as a fingerprint sensor, a heart rate sensor, an electrocardiogram sensor, etc., and the collected physiological characteristic information may be fingerprint information, heart rate information, ECG information, and the like. In a specific collection manner, the terminal may remind the user to place a finger or a palm on the sensor, wherein the reminder may be displayed through the screen of the terminal, or may be sent by voice.

In step S103, if the physiological feature information exists in the preset association table, the authorization information corresponding to the physiological feature information is acquired.

Specifically, after the physiological characteristic information of the user is collected, it is determined whether the physiological characteristic information exists in the preset association table, and if yes, the authorization information corresponding to the physiological characteristic information is acquired. The preset association table stores a plurality of physiological feature information and authorization information corresponding thereto. In this embodiment, the authorization information includes an authorization amount, and the authorization amount refers to the maximum payable amount corresponding to the user. The physiological characteristic information and the authorization information of a plurality of users may be pre-stored in the preset association table. In this way, the user can be differentiated according to the physiological characteristic information, and different authorization information is used for different users, thereby facilitating subsequent processing of the payment request.

In step S104, the payment request is processed according to the authorization information.

Specifically, after obtaining the authorization information, the payment request is processed according to the authorization information. In the present embodiment, the payment request includes the payment amount. When the payment amount is greater than the authorization amount, the current payment request is rejected because the maximum payment amount has been exceeded; only when the payment amount is less than the authorization amount, the payment operation corresponding to the payment request is executed according to the payment amount.

As described above, the information processing method in the embodiment of the present invention, when receiving the payment request, acquires the user's authorization information according to the physiological feature information by collecting the physiological characteristic information of the user, and then processes the user's payment request according to the authorization information, thereby being able to process the user's payment request according to the authorization information. Differentiate users and handle different payment requests, so that multiple people can use the same terminal, which improves the user experience.

FIG. 2 is a flowchart of an embodiment of a method for collecting physiological feature information according to an embodiment of the present invention. This embodiment shows the step of collecting user physiological characteristic information, which may correspond to the corresponding embodiment in FIG. 1 . S102, specifically comprising the following steps:

In step S201, an ECG signal of the target user is acquired.

Specifically, in the embodiment, the ECG signal of the target user is first collected by the ECG sensor. The ECG sensor can be disposed on the surface of the terminal, and when the user holds the terminal, the ECG signal of the user can be collected through the ECG sensor.

In step S202, an electrocardiographic waveform is generated based on the electrocardiographic signal.

Specifically, after the ECG signal is acquired, the ECG waveform is generated according to the ECG signal. In particular, the generated ECG waveform is a PQRST waveform. The PQRST waveform consists of P wave, QRS wave and T wave. Each waveform is the combined effect of many cardiomyocyte action potentials on the surface. The P wave reflects the depolarization process of the atrial muscle, the frequency is mainly between 10-15Hz; the QRS wave reflects the depolarization process of the ventricular muscle, the waveform is steep, the frequency is mainly between 10-40Hz; the T wave reflects the complex of the ventricular muscle. Polar process, the frequency is mainly between 10-15Hz.

In step S203, the electrocardiographic waveform is analyzed to acquire a feature value of the electrocardiographic waveform.

Specifically, the characteristic value of the electrocardiographic waveform is obtained according to the electrocardiographic waveform, wherein the characteristic value includes a peak value, a trough value, and a fluctuation characteristic value of the electrocardiographic waveform. Because of the influence of each person's ECG waveform on the main receptor type, age, weight, mood, gender, heart position, heart size, heart geometry, chest structure, exercise status, and cardiac physiology, waveform characteristics based on PQRST waveforms Values can be biometrically identified to identify different users, making it easy to set up different authorization information for different users.

FIG. 3 is a flowchart of a second embodiment of an information processing method according to an embodiment of the present invention. This embodiment includes steps S301-S305.

In step S301, a payment request of the target user is received.

In step S302, physiological characteristic information of the target user is collected.

In step S303, it is determined whether the physiological feature information exists in the preset association table.

Specifically, if the physiological characteristic information exists, the process proceeds to step S304; if not, the process proceeds to step S306.

In step S304, the authorization information corresponding to the physiological feature information is acquired.

In step S305, the payment request is processed according to the authorization information.

In step S306, the payment request is rejected and the target user is alerted.

Specifically, if the physiological feature information does not exist in the preset association table, indicating that the current user The information is not stored in the association table. The current user is an unauthorized user and cannot be paid. Therefore, the payment request is rejected and the target user is alerted. The reminding method may be to remind the user as an unauthorized user by voice or text; the method of rejecting the payment request may be to close the current payment process, or to exit the current payment interface, etc., which is not limited by this embodiment. . In this way, unauthorized users cannot make payments, avoiding the loss of the terminal being used by others, and reducing the risk of payment.

As described above, the information processing method in the embodiment of the present invention, when receiving the payment request, acquires the user's authorization information according to the physiological feature information by collecting the physiological characteristic information of the user, and then processes the user's payment request according to the authorization information, thereby being able to process the user's payment request according to the authorization information. Differentiating users, handling different payment requests, facilitating multiple users to use the same terminal, improving the user experience; at the same time, it can also eliminate unauthorized users, reduce payment risks, and improve security.

FIG. 4 is a flowchart of a third embodiment of an information processing method according to an embodiment of the present invention. This embodiment includes steps S401-S407. It can be understood by those skilled in the art that the steps of S401 in this embodiment can also be applied to the second embodiment. The steps of S405-407 in this embodiment can also be applied to the second. In the examples.

In step S401, the association table is set in advance.

Specifically, the user first sets an association table on the terminal, where the association table includes physiological characteristic information of at least one user and authorization information corresponding to physiological characteristic information of the at least one user. In this embodiment, the terminal may be provided with an administrator account or a super account. The user may set an association table by logging in the account, and the association table stores physiological characteristic information of the plurality of users and authorization information corresponding to the physiological characteristic information. For example, if a family has a shared terminal for payment, family member A can log in to the terminal as an administrator account and set authorization information for all family members. When setting, first collect the physiological characteristic information of the user, and then set corresponding information. Authorization information. The physiological characteristic information may be fingerprint information, heart rate information, ECG information, etc.; the authorization information may be an authorization amount. For example, a child's authorization amount can be set lower, adolescents can be higher, and middle-aged people can be higher. Those skilled in the art can understand that the authorization information can be set by the user according to the actual situation.

In other embodiments, the authorization information may include a plurality of authorization amounts, and the authorization amount may include a single payment amount, a daily payment amount, and a monthly payment amount.

In step S402, a payment request of the target user is received.

In step S403, physiological characteristic information of the target user is collected.

In step S404, if the physiological feature information exists in the preset association table, the living condition is acquired. Authorization information corresponding to the feature information.

In step S405, it is determined whether the payment amount in the payment request exceeds the authorization amount.

Specifically, after obtaining the corresponding authorization information, it is determined whether the payment amount in the payment request exceeds the authorization amount in the authorization information. If it is over, the process proceeds to step S406; if not, the process proceeds to step S407.

In other embodiments, the authorization amount includes a single payment amount, a daily payment amount, and a monthly payment amount. In the judgment, it is not only necessary to determine whether the word payment amount exceeds the single payment amount, but also whether the user's all payment amount exceeds the daily payment amount or the monthly payment amount.

In step S406, the payment request is rejected and the target user is alerted.

Specifically, if the payment amount exceeds the authorization amount in the authorization information, it indicates that the payment amount requested by the user has exceeded the limit, and the user's payment request is rejected at this time, and the target user is reminded that the payment amount is exceeded.

In step S407, a payment operation corresponding to the payment request is performed according to the payment request.

Specifically, if the payment amount does not exceed the authorized amount, it indicates that the payment amount requested by the user is not exceeded. At this time, the user is allowed to make a payment, and the payment operation corresponding to the payment request is executed according to the payment request. In this embodiment, the performing the payment operation may be corresponding to the payment request, and communicating with the payment platform or the server of the bank to complete the payment operation.

FIG. 5 is a schematic structural diagram of a first embodiment of an information processing apparatus according to an embodiment of the present invention. In this embodiment, the information processing device is applied to the terminal, and the user can initiate a payment request through the terminal, and the terminal communicates with the payment platform or the server of the bank to process the payment request of the user. The terminal may be a mobile phone, a tablet computer, a wearable device such as a smart watch, a smart wristband, or the like, and may also be a payment device such as a POS machine or a credit card machine. The embodiment of the present invention is not limited thereto. The information processing apparatus includes a receiving module 501, an acquisition module 502, an obtaining module 503, and a processing module 504.

The receiving module 501 is configured to receive a payment request of the target user.

Specifically, the receiving module 501 receives the payment request sent by the target user in various forms, for example, the user enters the payment link by using an application that operates the payment on the terminal, and initiates a payment request; The user can use the Alipay payment, the WeChat payment, etc. to open the two-dimensional code or the bar code; the user can also open the function of the sound wave payment, the NFC payment, and the like, and the embodiment of the present invention is not limited thereto. In particular, the payment request includes the payment amount.

The collection module 502 is configured to collect physiological characteristic information of the target user.

Specifically, the terminal is provided with a sensor, and the collection module 502 is configured to collect physiological characteristic information of the user through the sensor. In this embodiment, the sensor may be in various forms, such as a fingerprint sensor, a heart rate sensor, an electrocardiogram sensor, etc., and the collected physiological characteristic information may be fingerprint information, heart rate information, ECG information, and the like. In a specific collection manner, the terminal may remind the user to place a finger or a palm on the sensor, wherein the reminder may be displayed through the screen of the terminal, or may be sent by voice.

In other embodiments, the acquisition module 502 further includes: a signal acquisition unit 5021, a waveform generation unit 5022, and a parsing unit 5023.

The signal acquisition unit 5021 is configured to collect an ECG signal of the target user.

Specifically, in the embodiment, the signal acquisition unit 5021 first collects the ECG signal of the target user through the ECG sensor. The ECG sensor can be disposed on the surface of the terminal, and when the user holds the terminal, the ECG signal of the user can be collected through the ECG sensor.

The waveform generating unit 5022 is configured to generate an electrocardiographic waveform according to the electrocardiographic signal.

Specifically, after the ECG signal is acquired, the waveform generating unit 5022 generates an ECG waveform according to the ECG signal. Specifically, the generated ECG waveform is a PQRST waveform. A typical ECG signal consists of a P wave, a QRS wave, and a T wave. The individual waveforms in the ECG signal are the combined effects of many myocardial cell action potentials on the body surface. The P wave reflects the depolarization process of the atrial muscle, the frequency is mainly between 10-15Hz; the QRS wave reflects the depolarization process of the ventricular muscle, the waveform is steep, the frequency is mainly between 10-40Hz; the T wave reflects the complex of the ventricular muscle. Polar process, the frequency is mainly between 10-15Hz.

The parsing unit 5023 is configured to parse the electrocardiographic waveform to acquire a feature value of the electrocardiographic waveform.

Specifically, the parsing unit 5023 acquires the feature value of the electrocardiographic waveform according to the electrocardiographic waveform, wherein the feature value includes a peak value, a trough value, a fluctuation characteristic value, and the like of the electrocardiographic waveform. Because of the influence of each person's ECG waveform on the main receptor type, age, weight, mood, gender, heart position, heart size, heart geometry, chest structure, exercise status, and cardiac physiology, waveform characteristics based on PQRST waveforms Values can be biometrically identified to identify different users, making it easy to set up different authorization information for different users.

The obtaining module 503 is configured to determine whether the physiological feature information exists in the preset association table, and if yes, acquire the authorization information corresponding to the physiological feature information.

Specifically, after acquiring the physiological characteristic information of the user, the obtaining module 503 determines whether the physiological characteristic information exists in the preset association table, and if yes, the obtaining module 503 acquires the authorization information corresponding to the physiological characteristic information. The preset association table stores a plurality of physiological feature information and authorization information corresponding thereto. In this embodiment, the authorization information includes an authorization amount, and the authorization amount refers to the maximum payable amount corresponding to the user. The physiological characteristic information and the authorization information of a plurality of users may be pre-stored in the preset association table. In this way, the user can be differentiated according to the physiological characteristic information, and different authorization information is used for different users, thereby facilitating subsequent processing of the payment request.

The processing module 504 is configured to process the payment request according to the authorization information.

Specifically, after obtaining the authorization information, the processing module 504 processes the payment request according to the authorization information. In the present embodiment, the payment request includes the payment amount. When the payment amount is greater than the authorization amount, the current payment request is rejected because the maximum payment amount has been exceeded; only when the payment amount is less than the authorization amount, the payment operation corresponding to the payment request is executed according to the payment amount.

In other implementations, the processing module 504 further includes a determining unit 5041, a first processing unit 5042, and a second processing unit 5043.

The determining unit 5041 is configured to determine whether the payment amount exceeds the authorization amount.

Specifically, after obtaining the corresponding authorization information, the determining unit 5041 determines whether the payment amount in the payment request exceeds the authorization amount in the authorization information.

The first processing unit 5042 is configured to reject the payment request and remind the target user when the payment amount exceeds the authorization amount.

Specifically, if the payment amount exceeds the authorization amount in the authorization information, indicating that the payment amount requested by the user has exceeded the limit, the first processing unit 5042 rejects the payment request of the user at this time, and reminds the target user that the payment amount exceeds the limit. .

The second processing unit 5043 is configured to execute a payment operation corresponding to the payment request according to the payment request when the payment amount does not exceed the authorization amount.

Specifically, if the payment amount does not exceed the authorized amount, it indicates that the payment amount requested by the user is not exceeded. At this time, the second processing unit 5043 allows the user to make a payment, and performs a payment operation corresponding to the payment request according to the payment request. In this embodiment, the performing the payment operation may be corresponding to the payment request, and communicating with the payment platform or the server of the bank to complete the payment operation.

As described above, the information processing apparatus in the embodiment of the present invention, when receiving the payment request, acquires the authorization information of the user according to the physiological characteristic information by collecting the physiological characteristic information of the user, and processes the payment request of the user according to the authorization information, thereby being able to process the payment request of the user according to the authorization information. Differentiate users and handle different payment requests, so that multiple people can use the same terminal, which improves the user experience.

FIG. 6 is a schematic structural diagram of a second embodiment of an information processing apparatus according to an embodiment of the present invention. In this embodiment, the information processing apparatus includes: a receiving module 601, an acquiring module 602, an obtaining module 603, a processing module 604, and a rejecting module 605, wherein the functions of the receiving module 601, the collecting module 602, the obtaining module 603, and the processing module 604 are The same is true in an embodiment, and details are not described herein.

The receiving module 601 is configured to receive a payment request of the target user.

The collecting module 602 is configured to collect physiological characteristic information of the target user.

The obtaining module 603 is configured to determine whether the physiological feature information exists in the preset association table, and if yes, acquire the authorization information corresponding to the physiological feature information.

The processing module 604 is configured to process the payment request according to the authorization information.

The rejecting module 605 is configured to reject the payment request when the physiological feature information does not exist in the preset association table, and remind the target user.

Specifically, if the physiological characteristic information does not exist in the preset association table, it indicates that the current user information is not stored in the association table, and the current user is an unauthorized user, and the payment cannot be performed. Therefore, the rejection module 605 rejects the payment request and alerts the target user. The reminding method may be to remind the user as an unauthorized user by voice or text; the method of rejecting the payment request may be to close the current payment process, or to exit the current payment interface, etc., which is not limited by this embodiment. . In this way, unauthorized users cannot make payments, avoiding the loss of the terminal being used by others, and reducing the risk of payment.

As described above, the information processing apparatus in the embodiment of the present invention, when receiving the payment request, acquires the authorization information of the user according to the physiological characteristic information by collecting the physiological characteristic information of the user, and processes the payment request of the user according to the authorization information, thereby being able to process the payment request of the user according to the authorization information. Differentiating users, handling different payment requests, facilitating multiple users to use the same terminal, improving the user experience; at the same time, it can also eliminate unauthorized users, reduce payment risks, and improve security.

FIG. 7 is a schematic structural diagram of a third embodiment of an information processing apparatus according to an embodiment of the present invention. In this embodiment, the information processing apparatus includes: a setting module 701, a receiving module 702, an acquiring module 703, an obtaining module 704, and a processing module 705, wherein the receiving module 702, the collecting module 703, The functions of the obtaining module 704 and the processing module 705 are the same as those in the first embodiment, and are not described herein. It can be understood by those skilled in the art that the rejection module 605 in the second embodiment can also be applied to the present embodiment.

The setting module 701 is configured to preset an association table.

Specifically, the user first sets an association table on the terminal through the setting module 701, where the association table includes physiological characteristic information of at least one user and authorization information corresponding to the physiological characteristic information of the at least one user. In this embodiment, the terminal may be provided with an administrator account or a super account. The user may set an association table by logging in the account, and the association table stores physiological characteristic information of the plurality of users and authorization information corresponding to the physiological characteristic information. For example, if a family has a shared terminal for payment, family member A can log in to the terminal as an administrator account and set authorization information for all family members. When setting, first collect the physiological characteristic information of the user, and then set corresponding information. Authorization information. The physiological characteristic information may be fingerprint information, heart rate information, ECG information, etc.; the authorization information may be an authorization amount. For example, a child's authorization amount can be set lower, adolescents can be higher, and middle-aged people can be higher. Those skilled in the art can understand that the authorization information can be set by the user according to the actual situation.

The receiving module 702 is configured to receive a payment request of the target user.

The collecting module 703 is configured to collect physiological characteristic information of the target user.

The obtaining module 704 is configured to determine whether the physiological feature information exists in the preset association table, and if yes, acquire the authorization information corresponding to the physiological feature information.

The processing module 705 is configured to process the payment request according to the authorization information.

The embodiment of the present invention further discloses a terminal. Referring to FIG. 8, the terminal may include an information processing device. For the structure and function of the information processing device, refer to the related description in the embodiment in FIG. 5-7, and details are not described herein. It is to be understood that the method shown in any of the embodiments of the present invention can also be applied to the terminal in the embodiment of the present invention.

As described above, the terminal in the embodiment of the present invention, when receiving the payment request, acquires the user's authorization information according to the physiological feature information, and then processes the user's payment request according to the authorization information, thereby distinguishing different The user handles different payment requests, facilitating multiple people to use the same terminal, and improving the user experience.

One of ordinary skill in the art can understand that all or part of the process of implementing the foregoing embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium. When executed, the flow of an embodiment of the methods as described above may be included. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), or a random access memory (RAM).

The above is only the preferred embodiment of the present invention, and the scope of the present invention is not limited thereto, and thus equivalent changes made in the claims of the present invention are still within the scope of the present invention.

Claims

An information processing method, comprising:

Receiving a payment request of the target user;

Collecting physiological characteristic information of the target user;

Determining whether the physiological feature information exists in the preset association table, and if yes, acquiring the authorization information corresponding to the physiological feature information;

The payment request is processed according to the authorization information.
The information processing method according to claim 1, further comprising:

If the physiological feature information does not exist in the preset association table, the payment request is rejected, and the target user is alerted.
The information processing method according to claim 1, wherein before the receiving the payment request of the target user, the method further comprises:

The association table is preset, wherein the association table includes physiological characteristic information of at least one user and authorization information corresponding to the physiological characteristic information of the at least one user.
The information processing method according to claim 1, wherein the collecting the physiological characteristics of the target user comprises:

Collecting an ECG signal of the target user;

Generating an electrocardiogram waveform according to the ECG signal;

The ECG waveform is parsed to obtain a feature value of the ECG waveform.
The information processing method according to any one of claims 1 to 4, wherein the payment request includes a payment amount, and the authorization information includes an authorization amount.
The information processing method according to claim 5, wherein the processing the payment request according to the authorization information comprises:

Determining whether the payment amount exceeds the authorization amount;

If yes, rejecting the payment request and alerting the target user;

If not, the payment operation corresponding to the payment request is executed according to the payment request.
An information processing apparatus, comprising:

a receiving module, configured to receive a payment request of the target user;

An acquisition module, configured to collect physiological characteristic information of the target user;

The obtaining module is configured to determine whether the physiological feature information exists in the preset association table, and if yes, acquire the authorization information corresponding to the physiological feature information;

And a processing module, configured to process the payment request according to the authorization information.
The information processing apparatus according to claim 7, further comprising:

And a rejecting module, configured to reject the payment request and remind the target user when the physiological feature information does not exist in the preset association table.
The information processing apparatus according to claim 7, further comprising:

And a setting module, configured to preset an association table, wherein the association table includes physiological characteristic information of at least one user and authorization information corresponding to physiological characteristic information of the at least one user.
The information processing apparatus according to claim 7, wherein the acquisition module comprises:

a signal acquisition unit, configured to collect an ECG signal of the target user;

a waveform generating unit, configured to generate an electrocardiogram waveform according to the ECG signal;

And an analyzing unit, configured to parse the electrocardiographic waveform, and acquire a feature value of the electrocardiographic waveform.
The information processing apparatus according to any one of claims 7 to 10, wherein the payment request includes a payment amount, and the authorization information includes an authorization amount.
The information processing apparatus according to claim 11, wherein the processing module comprises:

a determining unit, configured to determine whether the payment amount exceeds the authorized amount;

a first processing unit, configured to reject the payment request and remind the target user when the payment amount exceeds the authorization amount;

a second processing unit, configured to perform, according to the payment request, a payment operation corresponding to the payment request when the payment amount does not exceed the authorization amount.
A terminal comprising the information processing apparatus according to any one of claims 6-12.